3-digit ZIP regional index
Home appreciation in ZIP codes 484xxFenton, MI area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 484 changed +4.2% over the year to Q2 2026, compared with +4.6% for Michigan and +3.0% for the United States.
The region covers ZIP codes 48401–48476. Most of its 2010 population lived in Genesee County (51%), Lapeer County (17%), Sanilac County (9%). Communities in the region include Lapeer, Flushing, Grand Blanc, Holly, Swartz Creek. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +4.2%
- 5-year change
- +42.0%
- Since Q1 1995
- +199%
- National rank (1 year)
- 368th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 484 vs Michigan and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 484: 298.8
- Michigan: 328.0
- Flint, MI metro: 279.3
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 484 | MI | U.S. | Gap vs MI | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +4.2% | +4.6% | +3.0% | −0.4 pts | +1.1 pts |
| 3 years | +16.8% | +18.0% | +12.9% | −1.2 pts | +3.9 pts |
| 5 years | +42.0% | +45.6% | +41.3% | −3.5 pts | +0.8 pts |
| 10 years | +101% | +104% | +93.3% | −2.8 pts | +7.4 pts |
| Since Q1 1995 | +199% | +228% | +292% | −29.3 pts | −92.8 pts |
If you bought in ZIP3 484 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +191% | $874,278 |
| Q2 2000 | +109% | $625,522 |
| Q2 2005 | +70.2% | $510,747 |
| Q2 2010 | +149% | $747,050 |
| Q2 2015 | +114% | $641,000 |
| Q2 2020 | +60.9% | $482,562 |
| Q2 2021 | +42.1% | $426,165 |
| Q2 2023 | +16.8% | $350,326 |
| Q2 2025 | +4.2% | $312,456 |
How ZIP3 484 ranks
Over the past year ZIP3 484 ranks 368th of 882 3-digit ZIP regions nationally and 14th of 20 in Michigan. Its one-year change is +1.1 pts versus the nation and −0.4 pts versus Michigan. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Michigan |
|---|---|---|
| 1 year | 368th of 882 | 14th of 20 |
| 3 years | 363rd of 882 | 16th of 20 |
| 5 years | 529th of 882 | 14th of 20 |
| 10 years | 309th of 882 | 15th of 20 |
| Since Q1 1995 | 787th of 879 | 16th of 20 |
Boom, bust, and recovery in ZIP3 484
ZIP3 484's index peaked in Q4 2005, fell 36.4% to its low in Q2 2011, and regained its peak in Q2 2019, about 13.5 years after the top. Today it sits +67.5% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 484 | Q4 2005 | Q2 2011 | -36.4% | Q2 2019 (13.5 yrs) | +67.5% |
| MI | Q3 2005 | Q2 2011 | -29.4% | Q2 2018 (12.8 yrs) | +83.3% |
| Metro | Q4 2005 | Q1 2012 | -38.9% | Q2 2020 (14.5 yrs) | +61.8% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 484's index has changed +34.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 484 after inflation | MI after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +0.3% | +0.7% | -0.0% | -0.8% |
| 3 years | +9.8% | +6.3% | +7.4% | +5.8% | +2.8% |
| 5 years | +24.0% | +14.5% | +17.4% | +13.4% | +13.9% |
| 10 years | +39.1% | +44.3% | +46.3% | +45.3% | +39.0% |
| Since Q1 1995 | +121% | +34.9% | +48.1% | +26.1% | +76.8% |
Estimate appreciation for a home in ZIP3 484
Regional estimate
$602,076
- Estimated gain
- $302,076
- Index change
- +101%
- Start index
- 148.87
- End index
- 298.77
ZIP3 484 (Fenton, MI area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 485 · Flint, MI area | MI | +3.1% | +40.9% | +143% |
| 483 · Sterling Heights, MI area | MI | +4.6% | +40.0% | +190% |
| 480 · Warren, MI area | MI | +4.5% | +39.3% | +210% |
| 487 · Bay City, MI area | MI | +3.9% | +55.2% | +212% |
| 482 · Detroit, MI area | MI | +5.0% | +38.7% | +231% |
| 488 · East Lansing, MI area | MI | +4.9% | +44.0% | +213% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 298.77 |
| Q1 2026 | 294.53 |
| Q4 2025 | 290.65 |
| Q3 2025 | 290.19 |
| Q2 2025 | 286.86 |
| Q1 2025 | 278.88 |
| Q4 2024 | 274.54 |
| Q3 2024 | 274.64 |
| Q2 2024 | 270.05 |
| Q1 2024 | 259.62 |
| Q4 2023 | 259.06 |
| Q3 2023 | 260.88 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 484?
- Based on FHFA HPI® data for 3-digit ZIP region 484, the regional index changed +4.2% over the year to Q2 2026, +42.0% over five years, +101% over ten years, and +199% since Q1 1995.
- Is ZIP3 484 appreciating faster than Michigan and the U.S.?
- Over the past year the region's index +4.2% compares with +4.6% for Michigan and +3.0% for the U.S., a gap of +1.1 pts versus the nation. Over five years the gap versus the nation is +0.8 pts.
- Which ZIP codes are in 3-digit ZIP region 484?
- All ZIP codes that begin with 484. Census 2010 ZIP Code Tabulation Areas in this region run from 48401 to 48476 (58 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.